Did you know that according LIMRA’s Life Insurance Barometer Study in 2013, 85% of consumers agree that most people need life insurance, but the same study found that only 62% of people in the United States have it? This is likely because, as LIMRA research found, American consumers believe that health insurance costs three times its actual price.

For those Americans in need of life insurance, but unwilling to get it due to the price, some handy life insurance advice can go a long way. After all, it’s completely necessary to protect you and your loved ones, but the sticker shock can make many choose the wrong decision. So, in order to find life insurance policies that are not only affordable, but also offer the necessary coverage, here’s some handy life insurance advice to consider!